Christopher Zuaro is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and having 11 years of industry experience. He has worked at LPL Financial since 2024 and previously held positions at SCF Securities, SCF Investment Advisors, First Command Financial Planning, and Allstate Insurance Co. Zuaro is also involved with Kelly Financial Group, where he spends part of his time on non-variable insurance and investment-related activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, utilizing model portfolios, third-party managers, and customized strategies, supported by advanced operational and research tools.

David Harlow is a Series 66 licensed financial advisor with 15 years of industry experience, currently working at Cetera Investment Services LLC since 2025. His prior roles include positions at CUSO Financial Services, LP and SSN Advisory, Inc. Outside of his advising career, he has been involved with Smoky Mountain Guides. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to affiliated and third-party managers, providing a range of portfolio management and financial planning services through various program structures.

Alexander Aros is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked with Primerica Advisors since 2019 and Primerica Financial Services since 2018. His prior experience includes five years at Welk Resorts Inc. Aros is also involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses a tiered wrap fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Holden Enniss is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Morgan Stanley and Hillstone, along with earlier experience at Enniss Inc. and other firms. He also has a background involving Francis Parker School and Columbia University. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment management services, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Cecilia De La Cruz is a CFP® with eight years of industry experience, currently serving as a financial advisor at Robert W. Baird & Co. since 2020. Her prior experience includes roles at KeyBank and Key Investment Services. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises a diverse client base including individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing a combination of in-house and third-party managers across traditional and non-traditional investment strategies.

Besjana Husted is a financial advisor at Edelman Financial Engines with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Charles Schwab, TD Ameritrade, and Ferguson McClure and Associates. Outside of her advisory role, she serves as president of a nonprofit charitable organization focused on selecting and overseeing charitable projects. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large client base through both advisor-led and online platforms.

Austin Barber is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with three years of industry experience. He has worked within Morgan Stanley since 2022, including a role at Morgan Stanley Private Bank, N.A. Barber also has prior involvement with the Associated Students of San Diego State University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools without providing individual security recommendations as part of standalone plans.

Jeffrey Czajka is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, and Northwestern Mutual Investment Management. He is also the founder of Advisor Growth Solutions, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers diverse financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Luis Saucedo is a financial advisor with MassMutual Investors Services who holds a Series 66 designation and has 25 years of industry experience. His career includes roles at MassMutual since 2016 and Capstone Partners Financial and Insurance Services from 2016 to 2021. Outside of his advisory work, he serves as secretary for a home-based language services consultancy. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning services including estate settlement and employer-sponsored programs, utilizing firm-approved tools to deliver collaborative, written recommendations.

Thomas Zgliniec is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has been with LPL Financial since 2008 and previously worked at Ameriprise. Outside of his advisory role, he authored a personal finance book focused on cash flow and budget planning titled *Go Green Financially*. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, with a broad offering that includes strategic and tactical allocations and alternative exposures.

Hayden Miller is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill, Miller held various roles including positions at Sopris Wealth Advisors and Brinkman Real Estate. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Blanca Pasallo is a financial advisor at Fidelity with four years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including TD Ameritrade and Chase Bank. Her prior experience also includes a role at Sedberry Tobin Insurance Services and early work with Unleashed By Petco. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and is known for its advisory role to multiple funds and use of advanced technologies in research.

Chantell Amezcua is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 20 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. She also has a long tenure with Wells Fargo Bank, N.A., dating back to 1998. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy preparation, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ethan Bjerke is a financial advisor at LPL Enterprise with a Series 66 designation and no prior industry experience. His background includes roles at Deloitte, EY, Moss Adams, and KPMG, along with aviation studies. LPL Enterprise, LLC offers investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, and institutional entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and provides access to financial planning, third-party asset managers, and affiliated insurance and trust services.

Yijia Li is a financial advisor at Primerica Advisors in San Diego, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Primerica, Li worked at LPL Financial LLC for eight years. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm employs model-delivery strategies developed by unaffiliated asset managers and supports trade execution and account custody through BNY Mellon Advisors and Pershing.

Cody Bingham is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation. He has experience across several roles since 2023, including positions at Cetera-affiliated firms and Charles Schwab entities. Outside of advisory work, he has been involved with Patara Shoes, LLC for six years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts and offers a broad range of integrated brokerage, custody, and advisory solutions.

Michael Zamolo is a CFP®-credentialed financial advisor with 11 years of industry experience. He currently works at J.P. Morgan Securities and JPMorgan Chase Bank, having previously spent nine years with First Republic Investment Management and FIRST REPUBLIC Securities Company. His role at JPMorgan Bank enables him to offer certain deposit and credit products in addition to investment services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Frances Comarshhein is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 36 years of industry experience. She has been with Linsco/Private Ledger Corp. since 1991. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a large network of investment adviser representatives.

John Ulshafer is a financial advisor at LPL Financial with 34 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Cambridge Investment Research Advisors, Morgan Keegan & Company, A. G. Edwards & Sons, and Prudential Equity Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies, supported by advisors through technology and research tools.

Edward Dawson is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 credentials and 42 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary capital market assumptions and research to tailor investment strategies aligned with clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a range of capital markets services.